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Business Risk: What Isn't Covered and Why it Matters

... the most common issues with Business Insurance is that policy owners often ... it does protect you against, and the risks that still remain ... ... pay for that particular cost. Beware the Danger of Under-Insurance Owners will sometimes underestimate their business building and contents' value for insurance purposes, in an effort to minimise their premiums ...

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Understanding Insurance, Part 3: Business Insurance

... available and how it can help protect your business. What is Business Insurance*? Business Insurance is ... designed to protect your business ... kinds of cover available and how it can help protect your business. What is Business Insurance*? Business Insurance is designed to protect your business contents, stock and other assets against events ...

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Business Insurance

... or damage caused by earthquakes. Covers Explained Building & Contents Covers the cost of repairing or reconstructing buildings your business owns and/or your contents or contents which you are legally responsible for ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... you for your marketing expertise and advice to help increase their ... your business's finances and reputation. This is where investing in ... sustain property damage as a result of your negligent business activities and bring a claim against you .     Contents, Building and Business Interruption insurance * You may also want to look at ...

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4 Areas You May Not Have Thought Business Insurance Covers

... to build your business. So it's vital to protect your business assets and ... business, such as fire, storms, theft and< ... were built. It's also important to ensure you don't underinsure your building ... Business Interruption as part of your Business Insurance package. It's important to remember that your business will change over time, and ...

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Insurance Options for Retailers

... a complicated business, with no two days ever the same and many ... wrong. Having the appropriate retailers insurance in place to protect ... * If you own your retail business premises you are going to want to protect your bricks and mortar with Building insurance. Available through a BizPack, Building insurance covers your building if it was damaged as a ...

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Things you didn't know about small business insurance

... business can be pretty straightforward, jump online, compare quotes and buy the insurance ... that suits your business. But there ... property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for property damage to ...

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What Photographers Need to Know About Business Insurance

... studio or you're out and about shooting on location, photography ... as a photographer and how business insurance can protect your business ... to your tools of trade , the impact upon your business could be devastating. Business Insurance is designed to safeguard your contents, stock and other assets against unexpected events like fire, storm ...

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Key things to look out for when Growing Your Small Business

... it all on the line, and take a giant leap forward ... the next phase involves growth and prosperity or financial breakdown. With ... smart risk ... a priority. From there, it's in your best interest to do a full risk audit, and decide what other special insurances your business needs. The little things might be able to take care of themselves, but the primary ...

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Insurance options to protect your cleaning business

... or operate a small cleaning business, you know how important it ... also important that your business has the right insurances in place for ... – clean results. It's also important that your business has the right insurances in place for when things get messy. You've worked long and hard to build your business and that's why it pays to have protection ...

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It's Time for an Insurance Health Check!

... great time for business owners to take stock and do a bit ... the goals and the direction of the business and ensuring financial insurance. Firstly, do you have the right types of cover and levels of cover? For example, if your business is growing and your level of exposure increases you may need ...

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Small Business Insurance: Why you might want to ensure you're covered!

You shouldn't think of insurance just as an expense, instead ... your livelihood should an unforeseen (and rather costly) event occur. It ... . The types ... any damages awarded, fines & penalties and even investigation costs. Cyber crime is on the rise, cyber insurance may be required Many small businesses think their business is too small to attract cyber criminals ...

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Insurance for IT Professionals

... may want to consider to keep your business as 'all systems running': Building and Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? Could you afford to repair ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... for your marketing expertise and advice to help increase ... their leads and increase their profits. But ... don't go to plan and accusations ... sustain property damage as a result of your negligent business activities and bring a claim against you .     Contents, Building and Business Interruption insurance * You may also want to look at ...

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Insurance for Hairdressers

... your business assets or building, you may be faced with having to close your doors for days, weeks or even months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some ...

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Insurance for Mortgage Brokers

... or property damage should they arise. Business Insurance Business Insurance is designed to safeguard your contents and other physical assets (including your building if you own it) against unforeseen circumstances ...

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Insurance for Accountants & Tax Agents

... When it comes to protecting your business assets, Business Insurance has a variety of covers available to safeguard the things that matter most. Consider your building (if you own it) and contents - could you afford to ...

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Insurance for Architects & Designers

... skills should be part of your business master plan. Don't let the worry of a building blunder keep you awake at night. Why not compare quotes for Architects and Designer insurance today from the friendly team at ...

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Insurance for Beauty Salons

... by your landlord if you lease your business premises. Business Insurance Whilst your customers are vital to your business, so are your contents, stock, equipment and your building if you own it. Protecting the important ...

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What is Professional Indemnity Insurance?

... is true, Professional Indemnity insurance seeks to protect both your assets and your reputation, as well as the contents of your back pocket meaning you can continue running your business without the stress of financial ...

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Insurance for Engineers

... . A comprehensive business insurance policy for any engineering business can include cover for buildings, contents and portable equipment. A business insurance policy for an engineering business will include protection ...

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Public Liability Insurance: 5 Tips for choosing the best policy for your business

... small business owner, protecting your business and your customers with Public Liability insurance is ... , sue your business for damage ... required of your business by the relevant associations to ensure you are adequately covered. A lot of contracts also have requirements for Public Liability insurance. For example, most building and work sites require ...

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7 Ways You Can Protect Your Business and Personal Information Online

... -ordering your groceries for delivery and even ordering your morning coffee ... , it also means that your business' information [] ... for your business. Most cyber insurance policies will not only cover your business financially but will help organise the retrieval of information, restoration of systems and even ransom negotiations for information ...

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Find your business motivation this Easter with these tips

... ? Lost that mojo and spark? As a small business owner, you're ... mix of small business owners to share their insights and tips into ... Pearlhouse , Professional Ghostwriter and Content Marketer of Jade Pearlhouse Motivational resources that I would like to recommend to my fellow small business owners are: Gary ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

... , especially in New Zealand and especially to small businesses. Microsoft reported earlier ... this year that cybercrime over NZ computers and ... business insurance plan will go a long way towards ensuring small and medium sized businesses in NZ are able to survive cyber attacks now and in the future. https://blogs.business.microsoft.com/en-nz/2017/02/27 ...

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Tips On How To Better Your Business This Year

... is there to whip your business into shape for a successful ... , implement some new best practices and throw out some old bad ... ... place to protect it from unexpected risks. Reviewing your insurance is an opportunity to make sure you are not under or over insuring and that you're covering your business for the things that matter. Not sure where to ...

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How much does Public Liability Insurance cost?

... and nature of your business Your business turnover and size The amount of insurance cover your business ... is often due to the number of claims each insurance company has received for each specified occupation. Below is the ...

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Insurance for Real Estate Agents

... unlocked and a theft occurs or by causing damages to a property or its contents during an open home. It is relatively cheap cover for the amount of protection afforded. Business Insurance Business Insurance provides ...

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Masters of maintenance kick start their new business with BizGiver Grant

... -based new kids on the building block JAW Maintenance, are off ... business of getting the job done, from plastering and painting to gardening ... strength to take on such a task, without her the company wouldn't exist.” Just like most small businesses starting off can be costly, and as the business grows so can the wish list for extra funds to help get the job ...

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Help Protect your small business' reputation

... to running a small business, your brand and its reputation are priceless ... your name by building strong relationships with your customers ... building strong relationships with your customers and clients, but it can take just one small mistake to destroy your business in minutes. As Warren Buffet famously said, “ it takes 20 years to build your reputation and ...

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The Art of Small Business Branding in the Digital Age

... communication tool ever devised but business owners who want to leverage ... small business requires attention to three main categories: visuals ... The point is that branding your company is about far more than logos and colour schemes. If you’re stumped when it comes to developing a brand voice and personality for your small business, don’t be afraid to engage ...

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Types of small business insurance in New Zealand

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... Liability Insurance Employers Liability Insurance protects the company and the people who manage the company, such as the Company Director and Senior Managers, against the risks and exposures of running the business - ...

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10 Amazing Facts About Small Businesses in New Zealand

... World Bank's 2017 Doing Business Report this year, it has ... an attractive place for small business owners. We have put together ... amazing key ... in NZ, you can see you are in great company! As a small business owner ensure you review your insurance cover regularly. Getting insurance has never been easier - get quotes from top NZ insurers in just a few ...

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Why having an office inventory list is essential and how to do it right.

... that gets business owners excited, that is until something happens and the ... time comes to claim on your insurance. When ... the big things ... they come into your business and deleting them when you get rid of them as well. This will also help you to ensure that when you review your insurance, you have the right level of cover for your contents - because there ...

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Tips for making a Stress-Free Claim for your business

... your business back up and running as quickly as possible. Making an insurance ... make potential claims stress-free and time-saving ... important it is to get your business back up and running as quickly as possible. Making an insurance claim can be stressful - ... Keep a record: taking photos of your contents and their receipts will assist when it comes to ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business against the financial risk of ... to property. Whilst operating your business ... With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any compensation claims, leaving your business free of financial risk. Phew! What does it cover ...

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The difference between public liability and professional indemnity insurance

... between Professional Indemnity and Public Liability insurance as the two ... both covers protect your business against legal action they ... Public Liability or Professional Indemnity cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business free of financial risk. Phew! Invest ...

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Tear and Share: Our customers get even with their old insurance policies

... small business owners really feel about their expensive, archaic policies and encouraged ... system! The campaign features small business ... . Thankfully with BizCover, there's no nasty paper policies. Just hassle-free insurance, online, with all your documents emailed to you instantly. Switch & save on your business insurance now, get a quote here !

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How to protect your small business from cybercrime

... prowl, leaving no small business immune especially when it comes ... financial data. With more and more personal information being stored ... and that's where Cyber Liability insurance can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover ...

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Employers Liability Insurance

... Insurance For Your Business Whilst we all go to great lengths to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance ... Occupational stress and mental injury ...

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Massage Therapy Insurance: here's why you need it!

... , and there's no doubt you've worked hard to build your business ... members should hold and maintain a Professional Liability Insurance ... you've worked hard to build your business, so it only makes sense to protect it. Below are the top 5 reasons Massage New Zealand members should hold and maintain a Professional Liability Insurance package. #1 Protect ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... Cyber Liability insurance can protect your business from online threats and attacks. Most ... to day functions. With more and more ... considering Cyber Liability insurance and how it can protect your business. What is Cyber Liability insurance? Cyber Liability Insurance protects your business against the expense and legal costs ...

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Statutory Liability Insurance

... for their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, including directors, trustees and managers, against certain unintentional breaches of New Zealand ...

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Professional Indemnity Insurance

... liable, the legal costs of defending yourself could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and your employees by providing cover against such claims, including the ...

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Cyber Liability Insurance

... as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches which may occur after being hacked, or ...

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Public Liability Insurance

... should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and your business against such claims by providing compensation for property ...

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... great deal of responsibility and care required when you ... provide specialist advice and services for a living. ... dealing with a lawsuit or business and or closing the books for good. These are some examples of when you may need Professional Indemnity insurance: If you provide paid professional advice ...

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What do you need to know about Professional indemnity insurance?

... indemnity insurance is and why it might be important for your business. What ... business insurance for professionals who are in industries ... professional indemnity insurance is and why it might be important for your business. What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... the pioneer online insurance marketplace in Australia and leading provider of online ... professional indemnity insurance, has ... announced ... in, or delays. “We understand clients need to spend more time on their businesses and risk management issues rather than sourcing their insurance. At BizCover, we can help them by simplifying the process of getting ...

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BizCover expands its insurance offer and launches a new look

... Australian customers to compare and buy professional indemnity and business insurance online Sydney, Australia ... , the pioneer online insurance BizCover launches a new website making it easier for Australian customers to compare and buy professional indemnity and business insurance online Sydney, Australia - December 17, 2010 . BizCover, the pioneer online ...

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How the cost of Professional Indemnity insurance is calculated

... Professional Indemnity (PI) insurance policy is calculated and why one profession can ... Indemnity insurance. Insurance policy pricing is ... premium is likely to be Your business size and turnover The individuals being covered - qualifications for the job they are performing The amount of insurance cover you require Previous claims history Your ...

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Understanding Insurance, Part One: Public Liability Insurance

As a small business owner, there is a lot ... about when running your own business. Whether its balancing the ... to understand the importance of business, it ‘ s crucial to understand the importance of business insurance and the different kinds of products that are available. We kick off our ...

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5 Money Saving tips for Small Business in NZ

Most small business owners are conscious of their ... out or have been in business a while, you'll want ... make the most of your business funds ... new loan, credit card, bank account or insurance for their business. It may be that the provider of your ... site; they'll let you compare key product features and benefits, as well as price on the financial services you ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract ... are on the lookout for businesses of any size with valuable ... they can steal ... less expensive), the threat of a cyber incident means all businesses need a security plan to protect their business and they should consider a Cyber Insurance policy as an essential part of this plan. This is general ...

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Managing the work-life balance see-saw: Secret tips for small business owners.

Owning your small business can feel a bit like ... healthy lifestyle, looking after family, and commitment to hobbies - the ... list goes on! And ... still managing a successful small business. Get that body moving Time is precious, and as much as we may ... setting reminders and scheduling those important tasks, like reminding you when is your insurance up for ...

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Conquering Stress and a Heavy Workload

Stress and overworking can affect your overall productivity as a small business owner ... . As the owner of the business, you have more responsibilities ... right tools to do your job as the owner of the business. Sometimes this might not be as obvious as it seems. Upgrading your hardware and updating software could make a significant difference in how effective you ...

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6 ways your business can go paperless

It's no secret that businesses are adopting more sustainable solutions ... to operate their business, especially when it comes to ... there for your ... to the participants. A system you can bank on Banking is an essential part of being a business and i t's a task that can easily be transformed into a paperless one . Instead of printing ...

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7 Ways to Grow Sales in a Café Business

For many caf owners, marketing is all about buying ads or finding the right coffee related meme to post on social media. While there's nothing inherently wrong with ... who comes in once. Building the number of reviews on your business also helps push your local ... business. 7) Think differently about Social Media There was a time when cafés could post content on social media and ...

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What is Public Liability Insurance?

... could put you out of business, and then there's the cost of settlements, whether agreed out of court or awarded by the court. With the right Public Liability cover, your insurance company will provide much needed funds ...

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Insurance by Professions

... is why our comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of ...

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Insurance for Consultants

... clients are your bread and butter, but where would you be without your business assets? Business Insurance allows you to select the types of coverage that best suit your business, like contents, to protect against fire ...

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Insurance for Immigration Advisers

... business with peace of mind. Did you Know? To be on the MARA list you will require a minimum of $250,000 Professional Indemnity (as at July 2017). Insurance ... to meet the law requirements and cover the risks associated ...

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Reviews related to building and contents insurance business

  • Awesome very easy to use and not complicated to use

    Ross and Jenny Fletcher
    Trades & Services

  • Simple process and easy to execute

    Kim Palsenbarg
    Multimedia and Marketing

  • The man who phoned and chatted to me was super knowledgeable and very friendly. He was able to answer every question I had on the spot without delay or referring me to anyone else - this never happens!

    Donna Swart
    Finance and Mortgage Broking

  • Very easy to get a quote and get cover. Great pricing and easy to understand.

    Ann-Maree Ozanne
    Accounting and Taxation

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Would prefer payment methods other than credit card. Being able to pay direct from my business bank account using Poli or other system would make life easier.

    John Cleveland
    Information Technology

  • Its been very easy to re-instate my isurance for the next 12 months. I do not really have any additional comments to make because i have not been provided any special service. I would definitely do business with you again

    Sharon Williams
    Information Technology

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations


    Janette Wallbutton
    Real Estate

  • It was easy and fast to attain.

    Jason Te Kare
    Consultancy Occupations

  • excellent and quick

    Trades & Services

  • Was an easy experience to update and re new policy

    Jamie Ewen
    Information Technology

  • Quick and easy renewal. Thanks

    Ray Gesta
    Allied Health

  • Very good and it is helpful

    Rafey Shamas
    Television Antennae Installation

  • quick and easy.

    George Curach
    Trades & Services

  • A real person promptly answered my phone call - no redirection / no music while holding!! Quick and efficient answers to my questions.

    Astrid Herbert
    Trades & Services

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • Very quick polite and easy to deal with. Happy with service provided

    gary smith
    Trades & Services

  • Easy to understand and purchase, great experience

    Greg Campbell
    Consultancy Occupations

  • Answered all my questions, helpful, and followed up my online enquiry efficiently.

    Jan Broadley
    Consultancy Occupations

  • Fast efficient and user friendly

    Brett Stansfield
    Consultancy Occupations

  • Real easy to renew your cover and they email you a reminder.

    Joseph Caldwell
    Information Technology

  • It was grate and on timings,fast,good customer services.

    David Tabar
    Trades & Services

  • Excellent online service, frequent reminders of the expiry date, and a reasonable cost for the protection.

    David Crockett
    Trades & Services

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • I was impressed with the quick service and how able they could ask my questions

    Tony Bailey
    Trades & Services

  • Easy to purchase. Good follow up and email reminder. Price Is good.

    Gabriel Molina

  • Thanks so much for the clear information and for making it so easy amd hassle-free!

    Alanna Clerkin
    Allied Health

  • Very easy process, prompt and competitive quote, would recommend to associates

    Wayne Smith
    Architecture & Surveying

  • Very helpful and friendly service

    David Slater
    Allied Health

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Covers Explained

Building & ContentsCovers the cost of repairing or reconstructing buildings your business owns and/or your contents or contents which you are legally responsible for against fire and other perils.
TheftCovers your for loss or damage to contents through theft or attempted theft at your premises.
General PropertyCovers for loss or damage to portable & valuable property like tools, mobiles or laptops anywhere within NZ.
GlassCovers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
Electronic EquipmentCovers your insured computers or other insured electronic equipment against loss, damage or breakdown caused by an event defined in your policy.
MoneyCovers money belonging to your business that is lost, stolen, or damaged whilst on your premises, in transit to or from your premises, or in your personal custody.
Goods in TransitCovers your goods (or goods that your are responsible for) whilst in transit in a vehicle owned or operated by you, against loss, theft or damage due to an accident or fire.
Employee DishonestyCovers your business against losses incurred through fraudulent or dishonest acts by your employees.
Business InterruptionCovers your for the loss of income & some of the increased costs of running your business as a result of interruption caused by events covered under your policy.
Natural DisasterCovers for loss or damage to insured property caused by earthquake, hyperthermal activity, geothermal activity, subterranean fire, volcanic eruption, tsunami or the resulting fire caused by any of these events.